Does Liability Insurance Cover Theft?

View down the side of a car to a man in a hooded top breaking into a car with a screwdriver in order to steal it

Does liability insurance cover theft? Sadly, more than a few Savannah-area drivers have found themselves asking that question. It’s already heartbreaking to be at the spot where you last parked your car, just to see it’s been stolen. It’s worse when you then realize that you only have liability insurance. We’re about more than just selling great cars at great prices at Savannah Toyota. Our friendly finance department likes to make sure that our customers understand their insurance options. So, let’s answer the following questions: Does liability cover theft? What about other types of coverage? Does car insurance cover theft, at all? Do you need a special car theft insurance policy?

Does Liability Cover Theft?

Does liability insurance cover theft? Liability insurance is the minimum coverage required in every state. What does it cover? Bodily injury liability covers other people’s medical bills, lost wages, pain, and suffering, and other costs resulting from an accident for which you are at fault. Property damage liability covers other people’s property damage from an accident which was your fault. So, does liability cover theft? No, liability does not act as the car theft insurance. What about other kinds of policies? Does car insurance cover theft at all?

Does Car Insurance Cover Theft at All?

While there’s not a specific “car theft insurance” policy, there is a policy that covers theft, among other things. Comprehensive coverage covers theft and other loss or damage to your vehicle resulting from causes other than a collision. So, theft, falling tree limbs, natural disasters, and vandalism are all covered by comprehensive coverage. That is why we recommend comprehensive customers to all of our Pooler drivers.

Other Useful Information on Our Website

Now that you know the answer to the question, “Does liability insurance cover theft?”, check out these other articles our Bluffton customers have found helpful:

Browse Our Inventory of New Cars

None of this helps you, of course, if your car is already stolen and you only had liability insurance. Fortunately, we make it easy for you to get behind the wheel of your next vehicle. You can even get pre-approved for financing online. Our dealership may be conveniently located near Hilton Head, but you can browse our entire inventory of new cars from the comfort of your own home!

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